Shelby Johnson has a flair for grooming dogs and cats. She hopes to open her own pet salon

when she graduates from college. She is currently completing her sophomore year in business

while working at a local pet store. Shelby has been living with a roommate (Melinda) in an

apartment near her work in order to reduce her living expenses. However, she continually uses

her credit card to make ends meet.

Her personal property consists of a 2005 car ($5,550) that gets great gas mileage, a television set

with a DVD player ($400), a digital camera ($50), a laptop computer ($400), clothing ($300),

and some furnishings valued at $600 (bed, dresser, lamp, clock, couch) with a total value of

$7,300.